Privacy Policy

We're committed to being transparent about how we collect, use, and protect your personal information.

Effective Date: May 2026 · Version 1.0

Data Sale

We never sell your data

Sharing

Only essential service providers

Security

TLS + AES-256 encryption

This Privacy Policy applies to Findara Auto Finance LLC ("Findara," "we," "our," or "us") and covers information collected through our website, web applications, email communications, and phone interactions. By using our services, you acknowledge this policy.

01

Information We Collect

We collect personal information to provide and continuously improve our services. Most of the information we hold was provided to us by your dealership at the time your financing contract was assigned to us, or collected directly through your interactions with our team and applications.

Information received from your dealer may include your full name, date of birth, Social Security number, phone number, mailing address, email address, and vehicle information.

Information you provide directly — when you contact us by phone, email, SMS, or through our web applications — may include your name, address, email, phone number, and payment details.

Information collected automatically when you visit our web applications may include:

  • IP address, browser type, and operating system
  • Pages visited, links clicked, and navigation behavior
  • Date and time of access
  • Referring URLs (where you came from or where you navigate next)
  • Email engagement data (open rates, link clicks) via pixel technology

Our web applications use cookies to improve functionality and analyze usage. You may configure your browser to refuse cookies, though some features may not work as expected. We do not currently respond to browser "Do Not Track" signals, but we handle all automatically collected data with the same care as personal information.

02

How We Use Your Information

We use the information we collect to operate and improve our services, maintain compliance, and communicate with you effectively. Specifically, we use your information to:

  • Identify your account and verify your identity when you contact us
  • Send you account communications and respond to your inquiries
  • Process payments and other account activity you authorize
  • Improve our products, services, and customer experience through internal analysis
  • Comply with applicable state, federal, and local laws and demonstrate that compliance
  • Evaluate employment candidates if you apply for a position at Findara

You may always decline to provide personal information when contacting us, though we may not be able to verify your identity or assist with your account in those instances.

Our emails may include pixel tags that tell us whether an email was opened, and linked URLs that help us understand which topics are most relevant to our customers. If you prefer not to be tracked in this way, you may choose not to open our emails or click links within them.

03

Sources of Your Information

We receive your personal information from several sources:

  • Your dealership — when your retail installment contract was assigned to Findara at the time of your vehicle purchase
  • You directly — through phone calls, emails, SMS, and our web applications
  • Third-party verification vendors — who help us confirm the accuracy of address, phone, and other account information, and to identify changes such as address updates, bankruptcy filings, or similar events
  • Recruiters or job platforms — if you applied for a position at Findara
04

Sharing with Third Parties

We only share personal information with a limited set of service providers who support our operations. We share the minimum information necessary for each provider's specific function, and we require all providers to handle your data in accordance with applicable law.

Examples of sharing include:

  • Payment processing — we share payment method details with your bank or card network solely to process authorized transactions
  • Communications delivery — we share contact information with delivery services to send account documents, statements, or other communications
  • Account verification — we share limited identifying information with third-party vendors to confirm address accuracy and identify relevant account changes
  • Regulatory compliance — we may share account information with state or federal regulators during licensing audits or examinations as required by law
  • Legal process — we will disclose information in response to a valid court order, subpoena, or law enforcement request when legally required to do so

In the event of a corporate reorganization, merger, or acquisition, your personal information may be transferred as part of that transaction.

We may share aggregated, non-personally-identifiable demographic and usage data with regulators or business partners for reporting purposes.

Mobile opt-in data and consent information are never shared with third parties or affiliates for marketing or promotional purposes.

05

We Do Not Sell Your Data

Findara does not sell your personal information — period. We also do not permit our third-party service providers to sell your information or use it for their own marketing purposes.

Your data is used exclusively to service your account and operate our business — never to generate revenue through data sales or marketing partnerships.

06

Data Retention

We retain your personal information only for as long as necessary to fulfill our contractual obligations, comply with applicable law, and meet legitimate business requirements. We aim to hold data for the shortest reasonable period, consistent with those obligations.

Retention periods are determined by factors including the applicable statute of limitations, state licensing requirements, and consumer financial laws that may mandate recordkeeping for defined periods.

Once our legal and contractual obligations have been satisfied, we delete or de-identify your personal information in accordance with our internal data retention policies.

07

Your Rights and Access

We want your information to be accurate and up to date. You can review certain account details through links in Findara email communications.

You also have the right to:

  • Request correction of inaccurate or incomplete personal information
  • Request deletion of personal information that we are not legally required to retain
  • Ask questions about what information we hold about you and how it is used

To exercise any of these rights, please contact us using the information in the Contact Us section below.

08

Security

Findara takes data security seriously. We implement industry-standard practices across data collection, storage, and transmission, including:

  • In-transit encryption using Transport Layer Security (TLS)
  • At-rest encryption using AES-256
  • Access-controlled systems with restricted physical and logical access

We regularly review our security practices to protect against unauthorized access, disclosure, and data loss.

Unfortunately, no data transmission over the internet or any wireless network can be guaranteed to be 100 percent secure. While we strive to protect your information, you acknowledge that there are security and privacy limitations beyond our control, that the security, integrity, and privacy of information exchanged between Findara and our customers cannot be fully guaranteed, and that such information and data may be viewed or tampered with in transit by a third party.

If you have concerns about the security of your data, please contact us at [email protected].

10

Deleting Your Data

Because your account is associated with a binding retail installment contract, we are legally required to retain certain records for the duration of applicable statutes of limitations and regulatory retention periods. These obligations vary by state and account type.

Once those retention obligations have expired, your personal information is deleted from our systems pursuant to our data retention policies. You may submit a deletion request at any time by contacting us — we will notify you of what we can and cannot delete based on our current legal obligations.

11

Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or applicable law. When we do, we will update the effective date at the top of this page.

We encourage you to check this page periodically. Your continued use of our website or services after any update constitutes your acceptance of the revised policy. If we make material changes, we will take reasonable steps to notify you.

12

Contact Us

Questions about this Privacy Policy or your personal information? We're here to help.

This Privacy Policy does not constitute legal advice. For questions about your specific rights under applicable state or federal law, please consult a qualified attorney.